Wednesday, July 2, 2008

You’re Scored in So Many Ways

I hate to be the one to tell you but you’re credit score isn’t the only way you’re rated. There are other databases collecting your personal information. Like you're credit score, you have the right to review them.

First there's the C.L.U.E. ®Personal Property report. It's an insurance claims history. The report shows a seven year history of losses associated with your personal property. It includes
date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.

A close friend of the C.L.U.E. ®Personal Property report is the C.L.U.E. ®Auto report. It shows a seven year history of your automobile insurance losses and includes all the same data as the property report--it's just specific to vehicles.

If you want to see what is on these reports you have the right to a free report.

Then there is the A-PLUS report (Automated Property Loss Underwriting System). This database isn't as large as C.L.U.E. but it's the one insurance companies use to determine premiums. So you should take a look to be sure it's correct.

Interviewing for that dream job? Your potential employer might be doing their homework by looking into the ChoicePoint Workplace Solutions Inc. Employment History report. ChoicePoint supplies information related to your employment history. Get a free copy of this report by calling 1-866-312-8075.

Let's hope you didn't trash that last apartment because the Resident Data Inc. Tenant History by Choicepoint could determine not only if you'll get that next apartment, but maybe if you'll get that dream job. Employers sometimes judge your character by if you made your rent on time and if you left your last residents in good condition. This report has a different number, so take note and call 1-877-448-5732.

Remember you have the right to know what others are saying behind your back. If you want to make sure your records are accurate contact these companies.

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